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Best Personal Loan Rates in Sheridan, Wyoming (WY) - March 2026

Current personal loan options available to borrowers in Sheridan, Wyoming include: Sheridan Community Federal Credit UnionSheridan Community Federal Credit Union141 S Gould St, Sheridan, WY, 82801A5.0 ★Texas Ratio: 9.57% offering Vacation Loans at 4.45% APR, Citco Federal Credit UnionCitco Federal Credit Union502 N Main St, Sheridan, WY, 82801A+5.0 ★Texas Ratio: 2.69% offering Unsecured at 11.90% APR, Sunlight Federal Credit UnionSunlight Federal Credit Union1447 Sugarland Dr, Sheridan, WY, 82801A+5.0 ★Texas Ratio: 4.48% offering Personal Loan at 11.99% APR, CAMPCOCAMPCO2511 Coffeen Ave, Sheridan, WY, 82801A+5.0 ★Texas Ratio: 0.79% offering Signature Loan at 12.50% APR, and Meridian Trust Federal Credit UnionMeridian Trust Federal Credit Union2223 Warren Ave, Cheyenne, WY, 82001A+5.0 ★Texas Ratio: 3.55% offering Construction Loans at 7.25% APR. Personal loan rates as of March 25, 2026 according to verified data from MonitorBankRates.

Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Sheridan, Wyoming can save you significantly over the life of your loan.

We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Sheridan, Wyoming.

Personal loan rates reflect recent market quotes and representative offers available to borrowers in Sheridan, Wyoming. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: March 25, 2026

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sheridan Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
141 S Gould St, Sheridan, WY, 82801
Vacation Loans
4.45%
APR4.45%
Last UpdatedMarch 27, 2026
Details

As Low As

Citco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
502 N Main St, Sheridan, WY, 82801
Unsecured
11.90%
APR11.90%
Last UpdatedMarch 27, 2026
Details

As Low As

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1447 Sugarland Dr, Sheridan, WY, 82801
Personal Loan
11.99%
APR11.99%
Last UpdatedMarch 27, 2026
Details

As Low As

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1447 Sugarland Dr, Sheridan, WY, 82801
Unsecured Loan
11.99%
APR11.99%
Last UpdatedMarch 27, 2026
Details

As Low As

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2511 Coffeen Ave, Sheridan, WY, 82801
Signature Loan
12.50%
APR12.50%
Last UpdatedMarch 27, 2026
Details

As Low As; Life Happens. Help Pay for it With a Signature Loan from Campco FCU

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2511 Coffeen Ave, Sheridan, WY, 82801
Signature
14.00%
APR14.00%
Last UpdatedMarch 27, 2026
Details

As Low As

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Construction Loans
7.25%
APR7.25%
Last UpdatedMarch 27, 2026
Details

As Low As

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Land Loans
7.50%
APR7.50%
Last UpdatedMarch 27, 2026
Details

As Low As

Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY, 82001
Personal Loans
7.50%
APR7.50%
Last UpdatedMarch 27, 2026
Details

Offer valid until March 21, 2026.

Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY, 82071 2000
Unimproved Property/Land Loan
7.99%
APR7.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Unsecured Personal Loans
8.49%
APR8.49%
Last UpdatedMarch 27, 2026
Details

As Low As

Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY, 82071 2000
Personal
9.64%
APR9.64%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY, 82001
Personal Loans
9.99%
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As; for Personal Loans over $7,500.

StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY, 82072
Signature Personal Loans
10.75%
APR10.75%
Last UpdatedMarch 27, 2026
Details

As Low As

WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.81%
1715 Stillwater Ave, Cheyenne, WY, 82009 7359
Unsecured Personal Loan
11.45%
APR11.45%
Last UpdatedMarch 27, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 27, 2026
Details

No additional details available.

First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Debt Consolidation Loans
11.99%
APR11.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY, 82935 5554
Personal Loans
12.00%
APR12.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Uniwyo Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.84%
1000 E University Ave, Laramie, WY, 82071 2000
Credit Builder Loan
12.00%
APR12.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
13.99%
APR13.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
15.99%
APR15.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
FirstCash Loan
27.00%
APR27.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
1447 Sugarland Dr, Sheridan, WY, 82801
Personal Loan
11.99%
APR11.99%
Last UpdatedMarch 27, 2026
Details

As Low As

Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY, 82001
Personal Loans
7.50%
APR7.50%
Last UpdatedMarch 27, 2026
Details

Offer valid until March 21, 2026.

Meridian Trust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2223 Warren Ave, Cheyenne, WY, 82001
Unsecured Personal Loans
8.49%
APR8.49%
Last UpdatedMarch 27, 2026
Details

As Low As

Blue Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.48%
114 E 7th Ave, Cheyenne, WY, 82001
Personal Loans
9.99%
APR9.99%
Last UpdatedMarch 27, 2026
Details

As Low As; for Personal Loans over $7,500.

StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY, 82072
Signature Personal Loans
10.75%
APR10.75%
Last UpdatedMarch 27, 2026
Details

As Low As

WyHy Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.81%
1715 Stillwater Ave, Cheyenne, WY, 82009 7359
Unsecured Personal Loan
11.45%
APR11.45%
Last UpdatedMarch 27, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 27, 2026
Details

No additional details available.

TRONA VALLEY COMMUNITY
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
840 Hitching Post Dr, Green River, WY, 82935 5554
Personal Loans
12.00%
APR12.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
120 W Carlson St, Cheyenne, WY, 82009
Debt Consolidation Loans
11.99%
APR11.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2511 Coffeen Ave, Sheridan, WY, 82801
Signature Loan
12.50%
APR12.50%
Last UpdatedMarch 27, 2026
Details

As Low As; Life Happens. Help Pay for it With a Signature Loan from Campco FCU

CAMPCO
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
2511 Coffeen Ave, Sheridan, WY, 82801
Signature
14.00%
APR14.00%
Last UpdatedMarch 27, 2026
Details

As Low As

StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
365 N 3rd St, Laramie, WY, 82072
Signature Personal Loans
10.75%
APR10.75%
Last UpdatedMarch 27, 2026
Details

As Low As

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
APR11.49%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
13.99%
APR13.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
485 S Washington St, Afton, WY, 83110
Signature Loan
15.99%
APR15.99%
Last UpdatedMarch 27, 2026
Details

No additional details available.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
414 E 18th St, Cheyenne, WY, 82001 4616
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
APR18.00%
Last UpdatedMarch 27, 2026
Details

No additional details available.

No home improvement personal loan rates found in Sheridan, WY currently.

Frequently Asked Questions

What credit score do I need for a personal loan in Wyoming?

Most lenders in Sheridan, Wyoming require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Wyoming often have more flexible requirements than traditional banks.

What is the difference between secured and unsecured personal loans?

Unsecured personal loans in Sheridan, Wyoming require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.

Can I use a personal loan for debt consolidation in Wyoming?

Yes. Debt consolidation is one of the most common uses of personal loans in Sheridan, Wyoming. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.

Are credit unions or banks better for personal loans in Sheridan, Wyoming?

Credit unions in Sheridan, Wyoming often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.

What are the best personal loan rates in Sheridan, Wyoming?

  • Sheridan Community Federal Credit Union: 4.45% (Vacation Loans)
  • Citco Federal Credit Union: 11.90% (Unsecured)
  • Sunlight Federal Credit Union: 11.99% (Personal Loan)
  • CAMPCO: 12.50% (Signature Loan)
  • Meridian Trust Federal Credit Union: 7.25% (Construction Loans)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sheridan, Wyoming. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026.